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A New Heart Disease Prevention Strategy: Combining Ezetimibe & Statins
Statement by Kirk Garratt, M.D., Medical Director of ChristianaCare's Center for Heart & Vascular Health "A new study is challenging the current approach to preventing heart disease by showing that combining ezetimibe (Zetia) with statins could be a highly effective treatment for all high-risk patients, not just those who can’t tolerate higher doses of statins. Ezetimibe works by blocking the absorption of dietary fats before they reach the liver, while statins block the conversion of these fats into bad cholesterol. Clinical studies have already shown that combining moderate doses of statins with ezetimibe works as well as high doses of statins alone. This new research, which used a sophisticated method to combine results from many studies, demonstrates the potential of using this combination more routinely. The impact could be significant—potentially avoiding thousands of heart attacks and saving many lives each year. Ezetimibe has minimal side effects and is available in generic form, offering a treatment option with few barriers to widespread use. However, patients should speak with their doctor to discuss whether this combination is right for them." Learn more:
With aviation in the news, Florida Tech's Shem Malmquist offers insight and clarity
Recent news on the safety of airlines in America has detailed tragic fatalities, airplanes flipping over and some crashing into prominent city streets, which has shone a less than flattering light on what is supposed to be a safe industry. Given recent events, Florida Tech College of Aeronautics visiting assistant professor Shem Malmquist has appeared in high-profile interviews on both current and historic aviation incidents. Recently, he spoke with the Boston Globe, Rolling Stone and the news platform FedScoop to lend his insight and expertise as a pilot. Officials have repeatedly warned about a shortage of air traffic controllers. Pilots have made up for that gap by accepting visual approaches and separation from other airplanes to relieve some of the workloads off controllers, said Shem Malmquist, a pilot and visiting instructor at the Florida Institute of Technology, who teaches courses on aviation safety. He noted that was “part of the problem” with the D.C. collision. Still, flying remains safe because “pilots are overcoming the challenges in the system to prevent accidents,” Malmquist said. “Random distribution can create clusters like this. ... That doesn’t mean there’s more risk.” February 21 - Boston Globe One former pilot told FedScoop that the system can be overpopulated with notices, only some of which might be important for a pilot to understand before taking off. Still, there’s generally no automated way of sorting through these notices, which means they can be incredibly long and difficult to completely process before flights. The notices themselves are densely written and use terminology that is often not immediately discernible. An example provided by the FAA shows the notices’ unique format. Textual data can also limit the ability to modernize the NOTAM system, an FAA statement of objectives from 2023 noted. Shem Malmquist, a working pilot who also teaches at Florida Tech’s College of Aeronautics, said the entire NOTAM system “migrated from color pipe machines,” which locked in “certain abbreviations and codes” beyond their point of usefulness. “It’s really great for computers, which is kind of funny because it was created before computers,” Malmquist added. “But it’s … not really very user friendly for the way humans think.” February 21 -FedScoop Recently, Malmquist was featured on National Geographic's TV series, "Air Crash Investigation." There, he spoke about the China Eastern Airlines Flight 583 crash investigation from 1993. Looking to connect with Shem Malmquist regarding the airline industry? He's available. Click on his icon to arrange an interview today.
Data Analysis: Commercial Real Estate Troubles Threaten U.S. Banks
The U.S. banking system is on a precipice as exposures to commercial real estate grow and banks grapple with high interest rates, according to an analysis by a finance professor at Florida Atlantic University. Of the 158 largest banks, 59 in the country are facing exposures to commercial real estate greater than 300% of their total equity capital, as reported in the fourth quarter 2024 regulatory data and shown by the U.S. Banks’ Exposure to Risk from Commercial Real Estate screener. “Regulators have been putting pressure on banks to reduce their exposures. However, it’s a very difficult thing to do without sending a signal of weakness to the market and creating more problems,” said Rebel A. Cole, Ph.D., Lynn Eminent Scholar Chaired Professor of Finance in FAU’s College of Business. “To get around this, many banks are ‘extending and pretending’ by restructuring their loans.” The U.S. Banks’ Exposure to Risk from Real Estate screener, a part of the Banking Initiative at Florida Atlantic University, measures the risk to exposure from commercial real estate at the 158 largest banks in the country with more than $10 billion in total assets. Using publicly available data released quarterly from the Federal Financial Institutions Examination Council (FFIEC) Central Data Repository, Cole calculates each bank’s total CRE exposure as a percentage of the bank’s total equity. Bank regulators view any ratio over 300% as excess exposure to CRE, which puts the bank at greater risk of failure. Troubled debt restructuring for commercial construction, multifamily, owner-occupied and owner-non-occupied mortgages tripled since 2023. They reached $18 billion in the fourth quarter of 2024, up from $6 billion in Q2 2023, according to data from the FFIEC. While non-owner occupied nonfarm, non-residential accounts for more than half of these amounts, there is also serious deterioration in multifamily and commercial construction loans. “Banks choose to extend these loans, hoping interest rates might drop. While the Fed did cut rates,” Cole said. “If a loan is maturing from five years ago in today’s rate environment, rather than refinance it with today’s terms, they will restructure the loan under the same terms from five years ago for another year. This all depends on interest rates falling, which is not likely to happen this year.” Among banks of any size, 1,788 have total CRE exposures greater than 300%, up from 1,697 in Q3; 1,077 have exposures greater than 400%, up from 971 in Q3; 504 have exposures greater than 500%, up from 426 in Q3; 216 have exposures greater than 600%, up from 166 in Q3. For comparison, the aggregate industry total CRE exposure is 132% of the total, unchanged from the third quarter of 2024. Looking to know more? We can help. Rebel Cole is available to speak with media about commercial real estate and the potential threats to the American banking system, Simply click on his icon now to arrange an interview today.
Understanding waterfowl movement and bird flu
Scores of waterfowl are currently on the move, and experts are worried they could further spread highly pathogenic avian influenza, commonly known as bird flu. But these flocks, which can number in the thousands and include Canada geese and snow geese, are of most concern around poultry houses, said University of Delaware’s Christopher Williams. The risk to humans and dogs getting bird flu from geese who inhabit their neighborhoods remains low, Williams said. Williams, a professor wildlife ecology in UD’s College of Agriculture and Natural Resources, explained why this is happening: • Smaller ducks such as blue-winged teal, larger ducks such as mallards, and larger geese like Canada geese and snow geese are heading north to their breeding grounds. • Waterfowl are a primary reservoir for avian influenza viruses, meaning they can harbor bird flu strains viruses, spread them, and in some cases show no signs of disease. They can shed the virus through their saliva, naval secretions, and feces. • Waterfowl serve as the primary vector of avian influenza to the U.S. poultry industry which has affected more than 8 million commercial and backyard chickens and turkeys that have been culled to keep the virus from spreading. “While we are worried about these flocks congregating near poultry houses, the risk of humans getting bird flu from waterfowl remains low,” Williams said. “Further, walking dogs around areas with geese flocks should pose little threat to dogs’ health as avian influenza is very rare in dogs.” Nevertheless, Williams cautions people and dogs to avoid touching sick birds or dead birds. A large segment of the Canada geese population are not migratory, Williams said. They will stick around the Mid-Atlantic year-round and tend to congregate and breed near grocery store parking lots, golf courses and neighborhoods. “Those birds are being drawn to needing two things. No. 1 is they need water including any natural pond or water containment area,” Williams said. “And all the geese species are herbivores, so No. 2 they eat grass. There are places that have both water and grass that will provide ideal nesting habitat for the geese and their chicks.” Reporters can connect with Williams by visiting his profile and clicking on the “contact” button.
Expert Insight: Keeping the power on!
With extreme weather becoming more commonplace than a phenomenon, America's reliance on power and electricity has been in the spotlight. Unfortunately, it's not for its resilience and reliability, but for the vulnerability of millions of Americans with each passing weather event. Florida Tech's Ken Cummins contributed to a recent study published in PLOS Climate that examined how various extreme weather events threaten the power grid in the United States. Multiple studies have shown that power outages alone can increase threats to human health—from spoiled food to failing medical equipment to a loss of heat in winter. These threats become more dire when paired with severe weather. This kind of information could be useful to utility companies, which must allocate finite resources for maintenance and repair and make plans for a range of scenarios, said Ken Cummins, a researcher at the Florida Institute of Technology with experience in grid reliability who wasn’t involved in the research. (Cummins is a former science adviser to Eos.) But he cautioned that the specific infrastructure used by local electric utilities, which can vary significantly, is also an important factor. “One thing that would be a problem in St. Louis might not be a problem in Denver or Omaha and would certainly be a different problem in New York City or Long Island,” he said. February 21 - EOS The same research got a lot of coverage across America and internationally. United Nations Office for Disaster Risk Reduction: ZME Science: This is a vital topic given the weight climate change and extreme weather are now placing on America's energy sector. If you're a journalist looking to cover this topic, let us help. Dr. Ken Cummins is a part-time Research Professor in the Department of Aerospace, Physics, and Space Sciences at Florida Institute of Technology. He is formally trained in statistical signal processing, modeling, and instrumentation. Ken is available to speak with media. Contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.
Expert Research: The Surprising Source of Next-Gen Antibiotics: Oyster Blood
Antimicrobial resistance (AMR) is a growing concern across the world and it has doctors worried and scientists working hard to find a solution Basically, AMR is when bacteria and viruses no longer respond to antimicrobial medicines. The result is making infections harder to treat and increases the risk of spreading disease. Recently, Texas Christian University researcher Shauna McGillivray commented on exciting new research in this area that was featured in the media: The search for a solution to antimicrobial resistance found something. And researchers found it in a true “it’s always the last place you look” location. Australian oysters. Or more specifically, Australian oyster blood. Antimicrobial proteins and peptides (AMPPs) “… are an exciting area with a lot of potential,” said Shauna McGillivray, professor of biology at TCU with an emphasis on host-pathogen interactions. “[They] are by themselves very potent but, as has been noted in multiple studies, they can also synergize with existing antibiotics, thereby improving efficacy of antibiotics, even in some cases to antibiotics to which there are high levels of resistance.” Feb. 22 -Phamed.com This is an amazing find and could be groundbreaking for the pharmaceutical industry and health care. And if you're looking to know more about this research and what it means for health care - then let us help. Shauna McGillivray, associate professor of biology is available to speak with media about her recent research - simply click on her icon now to arrange an interview today.
With a trade war that sees steep tariffs on imports from China, Canada and Mexico - various industries across the continent are scrambling to figure out how to conduct cross-border business in the wake of President Trump's new policies on trade. For many industries with production lines that crisscross the border, there's concerns about how to prosper or function in the future. Among Detroit brands, GM's Chevrolet and GMC pickups, along with Stellantis's Ram, are more exposed to Trump's taxes than Ford because both build large numbers of pickups in Mexico. Ford builds its F-series pickups in the United States - but also makes some truck engines in Canada, underscoring the web of economic interdependence among the three North America trading partners. Almost no American vehicle is made from solely American parts, industry research shows. Barclays bank analysts estimate that Mexico provides up to 40% of the parts in U.S. vehicles and Canada more than 20%. Suppliers say they will have to cover some of the tariff costs and will likely see an additional hit if consumer demand weakens from rising vehicle prices. Automakers and suppliers also worry about the effects of tariffs on vehicle components that bounce across borders before reaching their final destination. Companies worry that such parts could be taxed with every border crossing, although Trump has not clarified his policy in such cases. March 05 - Reuters Industry insiders are saying companies need to adapt their strategies immediately. To become more agile, companies are increasingly turning to advanced supply chain solutions. Modern platforms provide end-to-end visibility, helping businesses map complex, inter-connected supply chains made up of multiple tiers and assess risks associated with tariffs or regulatory changes. These tools enable companies to model the financial impact of different scenarios, offering data-driven insights for supplier diversification or regional sourcing strategies. March 06- Supply Chain Management Review Despite the 30 day reprieve for automakers, companies are still waiting and figuring out how to adapt. If you're a journalist covering tariffs and the trade war and how the supply chain might be impacted, Steven Carnovale can help. Steven is a supply chain strategist specializing in interfirm networks, risk management and global sourcing/production networks. Steven is available to speak with media. Simply click on his icon now to arrange an interview today
How a Fraudster Almost Stole Graceland
In a recent case that left many “All Shook Up," a Missouri woman attempted to defraud the Presley family by claiming ownership of the iconic Graceland estate. Most stories involving “The King” make for good reading, and they also hold an important lesson for homeowners. This bold scheme is a stark reminder that fraud knows no boundaries—whether you live in a mansion or a modest home, fraudsters can and will target anyone. The Graceland Fraud Attempt Lisa Jeanine Findley, a 53-year-old from Missouri, orchestrated a plan to defraud Elvis Presley’s family of millions by attempting to claim ownership of Graceland. She falsely alleged that Lisa Marie Presley had used Graceland as collateral for a $3.8 million loan that remained unpaid at the time of her death in 2023. To support her claims, Findley fabricated loan documents and filed fraudulent foreclosure notices, threatening to auction the estate if the supposed debt wasn’t settled. Riley Keough, Lisa Marie’s daughter and heir to Graceland, challenged these claims in court, asserting that no such loan existed and labeling the foreclosure attempt as fraudulent. The court sided with Keough, blocking the sale and prompting Findley to withdraw her claims. Subsequently, Findley was arrested and charged with mail fraud and aggravated identity theft. She pleaded guilty in February 2025 and faces up to 20 years in prison, with sentencing scheduled for June 18, 2025. Lawrence v. Maple Trust - A Canadian Fraud Attempt Closer to home, in 2006, Toronto homeowner Susan Lawrence fell victim to a similar scheme. Fraudsters transferred the title of her fully paid-off home into their names and registered a fraudulent mortgage with Maple Trust. Lawrence only discovered the fraud when she attempted to access her home equity. After an initial ruling forced her to bear the mortgage debt, she appealed. The Ontario Court of Appeal reversed the decision, ruling that the lender should bear the loss, not the innocent homeowner. The case took nearly two years to resolve and cost Lawrence an estimated $50,000 to $100,000 in legal fees—not to mention the emotional and financial stress. Lessons for Homeowners about Fraud This case highlights several critical lessons for homeowners: 1. Be Vigilant Against Fraudulent Claims: If fraudsters can attempt to steal Graceland, they can target your home too. Monitor your property records for unauthorized changes. 2. Don't Divulge Sensitive Information: Fraudsters can use social engineering tactics to piece together important information you share and use it to forge or alter property ownership records etc. Be careful with what you share, especially with strangers. 3. Regularly Monitor Property Records: Periodically checking public records for any unauthorized liens or claims against your property can help detect and address fraud early. Online credit reporting services such as Credit Karma offer free apps and email alerts that can help you spot potential fraud. 4. Beware of Contracts: Watch out for deceptive practices employed by certain rental companies, leading to unexpected financial obligations and complications. Using deceptive, high-pressure sales tactics, these companies can leave homeowners burdened with property liens after signing contracts for appliances like furnaces, air conditioners, and water heaters. If you are faced with this, don't rush the process. Do some additional research and/or take the next step below. 5. Consult Legal Professionals: If you are pressured to sign a contract, receive dubious claims, or receive foreclosure notices, seek advice from qualified legal professionals to navigate the situation effectively. 4. Secure Title Insurance: Title insurance protects homeowners against potential defects in the title, including fraudulent claims. It’s a crucial safeguard that can prevent significant financial loss. Let’s unpack this last point about Title Insurance. What is Title Insurance: Your Best Defence Title insurance is a safeguard for homeowners, protecting them against potential issues related to the ownership of their property. This insurance ensures that the homeowner is shielded from financial loss if any unforeseen problems with the property’s title arise. Title insurance is a policy that protects property owners and lenders against financial loss resulting from defects in a property’s title. These defects can include unknown liens, encroachments, zoning violations, or even fraud that may have occurred before the homeowner acquired the property. Unlike other insurance types that cover future events, title insurance addresses past events that could affect property ownership. Why is Title Insurance Necessary? Purchasing a property is often the most significant investment individuals make. Title insurance provides peace of mind by ensuring the property’s title is clear and free from unforeseen issues. Without this protection, homeowners could face legal disputes or financial losses if a problem with the title emerges after the purchase. For instance, if a previous owner’s unpaid taxes or undisclosed heirs come forward claiming ownership, title insurance would cover the legal fees and potential losses associated with resolving these issues. The Cost of Title Insurance in Canada In Canada, the cost of title insurance varies depending on factors such as the property’s value and location. Typically, premiums for residential properties range from $250 to $500. However, the cost can increase for higher-valued properties. This premium is a one-time payment made during the closing process and remains valid for as long as the homeowner owns the property. Providers of Title Insurance in Canada Several reputable companies in Canada offer title insurance. Some of the prominent providers include: FCT (First Canadian Title) Stewart Title Please note: None of the providers above are sponsored links. How to Check if You Have Title Insurance If you’re uncertain whether you have title insurance, consider the following steps: 1. Review Your Closing Documents: Examine the paperwork you received during the property’s purchase. Look for any mention of title insurance policies. 2. Contact your real estate lawyer: The legal professional who helped with your property purchase should have records showing whether title insurance was obtained. 3. Contact Title Insurance Providers: Most Title Insurance companies maintain issued policy records. Contacting them directly can help confirm whether a policy exists for your property. Homeowners Without a Mortgage: A Higher Risk Group If you’re a homeowner who owns their property outright, you can be at a higher risk concerning title-related issues. Why? Fewer parties (such as lenders) monitor the property’s status when no mortgage is in place. By contrast, when a mortgage is involved, most lenders today, as a rule, require title insurance to protect their investment, indirectly safeguarding the homeowner as well. However, some homeowners might overlook obtaining title insurance without a lender's mandate. This leaves you more vulnerable to potential title defects or fraudulent claims against your property. Real estate fraud is not a problem reserved for the wealthy—any homeowner can become a target. Securing title insurance and staying vigilant is the best way to protect your property and your financial future. It's such an important topic, I'll be sharing more tips on title insurance in future posts. After all, as Elvis might say, “What I say is true; if it could happen to the King, it could happen to you.” Don’t Retire … Re-Wire! Sue
Insights: Cyber Risks & Opportunities in 2025
Managing cyber risk is no longer simply a technical necessity but also a strategic imperative in global business. With companies becoming more interconnected and reliant on artificial intelligence, the Internet of Things, and the rest of the digital ecosystem, they are exposed to greater opportunity and risk. In the video below, Senior Managing Director & cybersecurity expert Denis Calderone shares topics covered in the 2025 J.S. Held Global Risk Report focused on managing cyber risk in the year ahead. To view the report and learn more about cyber risks and opportunities, click on the button below: Looking to know more or connect with Denis Calderone Simply click on his icon to arrange an interview today.
Managing cyber risk is no longer a technical necessity but also a strategic imperative in global business. As companies are more interconnected and reliant on artificial intelligence (AI), the Internet of Things, and the rest of the digital ecosystem, they are exposed to greater opportunities and risks. In this video, Senior Managing Director and cybersecurity expert Denis Calderone shares topics covered in the 2025 J.S. Held Global Risk Report focused on managing cyber risk in the year ahead. The global regulatory landscape is evolving rapidly in response to the increasing severity of cyber threats. Governments and regulatory bodies, including the U.S. Securities and Exchange Commission (SEC), the European Union (EU), and the U.S. Transportation Security Administration (TSA), have introduced cybersecurity mandates that require businesses to strengthen their defenses, improve incident reporting, and ensure compliance with new industry standards. The 2025 Global Risk Report by J.S. Held provides perspectives on these regulatory shifts, helping businesses navigate the complexities of cyber risk and compliance. The growing frequency and severity of cyberattacks are reshaping how businesses approach risk management. The J.S. Held 2025 Global Risk Report explores key issues facing business today, including: Business Interruption from Cyber Incidents: High-profile cases like Change Healthcare’s 2024 breach demonstrate how cyberattacks can halt operations, lead to regulatory scrutiny, and result in massive financial losses. Reputational and Legal Fallout: Cyber incidents can trigger lawsuits and damage a company’s reputation, often leading to prolonged trust recovery periods with customers and investors. Loss of Sensitive Data: Data breaches can expose critical information, including personal, financial, and proprietary data, amplifying risks of identity theft and fraud. Tightening Regulatory Landscape: New cybersecurity laws, such as the EU’s NIS2 Directive and Cyber Resilience Act, alongside the US SEC’s disclosure rules, demand stricter compliance from businesses in key sectors. Complexities in Cyber Insurance: Many companies lack clarity on whether their policies cover ransomware or meet legal and operational needs, leaving them exposed to potential financial risks. Ransomware Dilemmas and Legal Risks: Paying a ransom may violate international sanctions, creating additional legal complications for organizations already dealing with cyberattacks. Proactive Cybersecurity Enhancements: Companies implementing advanced cybersecurity measures like MFA, EDR, and immutable backup systems improve their defenses and reduce risks of disruption. AI-Powered Threat Detection: Artificial intelligence enables companies to identify fraud and cyberattacks faster by analyzing patterns and anomalies in real time, minimizing damage, and reducing costs. Increased Demand for Cyber Insurance: As companies across industries seek better coverage, insurers have opportunities to innovate new products, though exclusionary clauses are becoming more common. Business Continuity and Resilience: Organizations with strong cyber hygiene, incident response plans, and dependency mapping are better prepared for attacks and may benefit from reduced insurance premiums. Cybersecurity risk is just one of the five key areas analyzed in the J.S. Held 2025 Global Risk Report. Other topics include sustainability, supply chain, cryptocurrency and digital assets, AI and data regulations. If you have any questions or would like to further discuss the risks and opportunities outlined in the report, email GlobalRiskReport@jsheld.com. To connect with Denis Calderone simply click on his icon now. For any other media inquiries - contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com